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Global accounts

Give your customers a global dollar account. Card-enabled, locally spendable in 65+ countries. Your brand. Your economics. One integration.
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Lightspark API

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Global Accounts

Branded dollar accounts, embedded in any platform. Lightspark handles the rails, FX, and coverage behind them.

Select a platform to explore

Your platform moves money for millions of people. But you don’t own any of it. Banks and processors capture the interchange, the FX margin, the float, the data, and the brand.

Until now, the only option was: become a bank. Get licensed. Build from scratch. Or rent someone else’s infrastructure and share the economics. Global Accounts changes that.

Reach65+countries01
Coverage175M+Visa merchants02
Connectivity14,000+banks and wallets03
Surface6capabilities, one integration04

Capabilities

01
Branded dollar accounts

Your users get a dollar account. You get the economics. Float, fees, and margin accrue to you, not a bank.

Explore branded dollar accountsLearn more
02
Stablecoin issuance

Issue your own branded stablecoin. Users see a dollar balance with your brand. You keep the economics, even after funds leave your platform.

Explore stablecoin issuanceLearn more
03
Local and global off-ramps

USD everywhere. Local currency when they need it. 65+ countries via PIX, UPI, SEPA, FPS, and more.

Explore local and global off-rampsLearn more
04
Visa debit cards

Spendable anywhere. Instantly. Physical or virtual cards at 175M+ merchants. Every swipe is a revenue event for you.

Explore visa debit cardsLearn more
05
Native Bitcoin

Spending and savings. Side by side. Users convert between USD and Bitcoin instantly. 500M+ people hold Bitcoin. A native savings layer is a massive differentiator.

Explore native BitcoinLearn more
06
Cross-chain interop

Open. Interoperable. Not a walled garden. Your platform becomes a hub, not a dead end.

Explore cross-chain interopLearn more

Revenue

Per user3 to 5xmore revenue per user
vs. traditional payment processing

Every account is a revenue engine. You own the brand, the customer relationship, and four revenue streams out of the box.

01
Streams
Reserve rewards2.6-3.0% annualized $1B in balances = $26M-30M/yr
Card interchange~0.20-1.0% revenue share on every swipe
FX margin100-200 bps on local currency conversions
Transaction feesPer txn P2P and merchant payments
02

Agentic accounts

Your customers get a dollar account. Your business gets a revenue engine. AI agents are next. Every company is building them. Almost none can let them touch money safely. Most agent payment products are workflow logic wrapped around an API. Useful, but replaceable. Global Accounts is different: the account itself is the operating environment, so permissions live where the money lives.

What everyone else will shipPermissions at the application layerAn API key with workflow logic bolted on01
What Lightspark shipsPermissions enforced at the account layerAn account with permissions enforced inside it02

The agent gets a pocket. Not the keys. Scoped authority over funding sources, rails, payees, and thresholds, plus a full audit trail and instant revocation. The wallet enforces the policy, not the agent.

Agents operate inside the accountNot calling in from outside through an API. Operating natively inside the wallet.01
Bounded pockets with scoped authorityFunding sources, payees, rails, and limits are all defined per agent.02
Wallet enforces policyAgents can't escalate privileges or exceed their scope03
One control plane for everythingBalances, cards, payouts, and agent permissions use the same infrastructure.04
Full audit trail and instant revocationEvery agent action is traceable. Authority can be revoked in real time.05
Built on self-custodyNeither Lightspark nor the platform can move user funds06

Your customers get a dollar account. Your business gets a revenue engine. Your AI agents get a permissions layer. One integration. Your brand. Live in days.

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